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LOANLINER Open End Home Equity Lending CUNA Mutual Group

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LOANLINER Open End Home Equity Lending CUNA Mutual Group Powered By Docstoc
					  LOANLINER®
   Home equity
Lending documents
 seLection guide




   P.O. Box 391
   5910 Mineral Point Road
   Madison, WI 53701-0391
   Phone: 800.356.2644
   Email: loanliner@cunamutual.com
   Word Wide Web: http://www.loanliner.com




                                             EST185
                                        LOANLINER®:
                            It’s All About Home Equity Lending

Increasing Loan Volume                                        Managing Lending Risk
LOANLINER Documents offer flexible, federally                 With LOANLINER Documents you can rest assured
compliant documentation for virtually any open- or            that every document is compliant with federal and
closed-end home equity loan along with the training           state laws and regulations. CUNA Mutual Group’s
and support you need to manage your home equity               dedicated legal and insurance experts continually
lending program effectively.                                  update the documents to guarantee that your Home
                                                              Equity Lending Documents, when used properly, will
Use LOANLINER Open-End lending documents to
                                                              keep you in compliance.
set up a Home Equity Line of Credit. Once the Plan
is open, obtaining advances on the Plan (future home          LOANLINER Documents simplify compliance for
equity loans) is easy. Your member can call, go online        your staff.
or stop in to request an advance.
                                                              Strengthening Member Relationships
Increasing Income                                             LOANLINER Home Equity Documents simplify the
LOANLINER Documents integrate the sale of                     lending process and give you an important tool to
payment protection right into the lending transaction,        build member relationships. All documents are written
giving you the opportunity to provide your member             in clear, straightforward language, and are easy to use
with the protection they need. Once you have set up           and understand.
an open-end plan with payment protection, all your
                                                              LOANLINER Documents provide you with a valuable
member’s future advances are covered.
                                                              tool to increase staff and member confidence and
                                                              comfort at every stage of the lending process.
Improving Efficiency
Now you can create a cost-effective loan processing           Process Virtually Any Type of Loan
system that’s tailored to meet the needs of your credit
                                                              A strong lending program is vital to the success of
union. Choose LOANLINER Open-End Home Equity
                                                              your credit union. That’s why so many credit unions
Lending Documents to reduce the paperwork for you
                                                              choose LOANLINER Documents — the integrated
and your members.
                                                              system that gives you the loan documents you need to
LOANLINER Electronic Documents have been                      handle virtually any type of home equity loan in all 50
designed for compatibility with most data processors’         states. LOANLINER Documents are a proven success
hardware and software. To ensure optimum                      in thousands of credit unions across the country; over
processing efficiency, we work directly with you              40% of all credit unions offering home equity loans
and your processor during installation, testing and           use them for their home equity loan programs.
implementation.
To determine whether to use electronic or paper
documents, look at:
     • whether the format is more member friendly in
       paper.
     • whether the document is a static document or
       needs member/loan specific information added.
     • your volume for the type of loan and/or the
        state.




To view document samples, go to www.loanliner.com         1                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                              LOANLINER® Service and Support

LOANLINER Lending Resource                                 LOANLINER Customer Service
Center                                                     For assistance in selecting and ordering
The Lending Resource Center offers a                       documents, checking the status of your order,
comprehensive and timely way to stay on top                or billing questions, call 800.356.5012 or
of key lending and compliance issues and a                 e-mail loanliner@cunamutual.com.
variety of resources to improve your lending
performance, available at your fingertips 24/7.
                                                           Compliance Alerts
Key resources include: compliance alerts with
action steps; training and operational needs; credit       Stay informed about compliance and regulation
union best practices; lender tutorial; product news        changes. For recent compliance updates, go to
and updates; featured questions and answers; and           www.loanliner.com and click on Lending
optional e-mail notifications of newly published           Resource Center.
alerts and articles. The Lending Resource
Center is available only to credit unions using
LOANLINER Lending or Deposit documents                     Your CUNA Mutual Group
or credit unions that offer one or more of the             Representative
following CUNA Mutual Group products: credit               Providing you with unique solutions to
disability insurance, credit life insurance, debt          meet your unique lending needs, call
cancellation, guaranteed asset protection, or              800.356.2644.
mechanical repair coverage. To request access, go
to www.cunamutual.com\lendingresourcecenter.




To view document samples, go to www.loanliner.com      2                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                  at 800.356.5012.
                            LOANLINER® Home Equity Lending

This guide is designed to walk you through the loan event. It will provide you with an overview
along with the features and benefits of the documents available (both paper and laser). The table
of contents below is provided for your easy reference.



                                                 Table of Contents

Closed-End
FNMA Application 1003 . . .                  .   .   .   .   .   .   .   .   .       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   4
Home Equity Application . . .                .   .   .   .   .   .   .   .   .       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   4
Good Faith Estimate . . . . . .              .   .   .   .   .   .   .   .   .       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   4
HUD-1A Settlement Statement                  .   .   .   .   .   .   .   .   .       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   4
Note and Disclosure Statement                .   .   .   .   .   .   .   .   .       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   4

Open-End
Early Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                                                               .   .   .   .   .   .   .   .   .   5
“What You Should Know About Home Equity Lines of Credit” Brochure.                                                                           .   .   .   .   .   .   .   .   .   5
FNMA Application 1003 . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                    .   .   .   .   .   .   .   .   .   5
Home Equity Application . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                  .   .   .   .   .   .   .   .   .   5
Credit Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                 .   .   .   .   .   .   .   .   .   6
Addendum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                 .   .   .   .   .   .   .   .   .   6
Advance Voucher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                  .   .   .   .   .   .   .   .   .   7
Endorsement Stamp . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                                                                  .   .   .   .   .   .   .   .   .   7

Open- and Closed-End Support Documents
Adverse Action . . . . . . . . . . . . . . . . . . .                                         .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 8
Security Instrument . . . . . . . . . . . . . . . . .                                        .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 8
Notice of Right to Cancel . . . . . . . . . . . . . .                                        .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 8
Verification Packet. . . . . . . . . . . . . . . . . .                                       .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 9
Standard Flood Hazard Determination . . . . . . .                                            .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 9
Flood Insurance Notice . . . . . . . . . . . . . . .                                         .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   . 9
FACT Act Notices . . . . . . . . . . . . . . . . . .                                         .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .   .    10




To view document samples, go to www.loanliner.com                                3                                           To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                                                                at 800.356.5012.
               LOANLINER® Closed-End Home Equity Lending


FNMA Application 1003
This application, which can be used to apply for both closed- and open-end home equity loans, is approved by the
Federal National Mortgage Association (Fannie Mae) for loans to be sold on the secondary market.
     • There are areas on the application that do not fully apply to credit unions or home equity loans. Changes
       cannot be made without altering its status as a conforming document.
     • This application cannot be imprinted. The paper version is 8 ½ by 14 and the electronic version is
       8 ½ by 11.


Home Equity Application
This application is a streamlined application which cannot be used if you intend to sell the loan on the secondary
market. It is used to collect information to evaluate the applicant’s creditworthiness, including present financial
condition, credit history, information on the dwelling being used as security, and personal information.
     • Can be used with both open-end and closed-end lending.
     • Comes in 8 ½ by 11 paper or electronic.


Good Faith Estimate
Required for all purchase money mortgages loans, refinancings of purchase money loans, closed-end home equity
loans, home improvement loans, and second mortgages.
     • Provides an estimate of settlement charges a borrower is likely to incur, as a dollar amount along with key
       loan information.
     • Complies with Real Estate Settlement Procedures Act (RESPA).


HUD-1A Settlement Statement
This document, which must be given at the time of closing, discloses all of the actual costs of closing and explains
how the funds will be distributed.
     • Complies with RESPA.
     • Optional use with open-end home equity loans.


Note & Disclosure Statement
Discloses the exact terms of the individual borrower’s loan at the time of consummation.
     • Provides the disclosures required by Reg Z.
     • Includes the contract terms between the credit union and the borrower(s).
     • Contains the Payment Protection Application and Certificate/Agreement.
     • Imprinting is optional.




To view document samples, go to www.loanliner.com         4                        To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                      at 800.356.5012.
                 LOANLINER® Open-End Home Equity Lending


Early Disclosure
Provides disclosure of provisions specific to your credit union’s Home Equity Plan. Required to be given to the
member when they receive an open-end Home Equity application. The purpose is to assist members in shopping
for home equity credit.
     • Informs member about important provisions specific to your credit union’s Home Equity Plan.
     • Assistance is available in setting up your Early Disclosure through LOANLINER Compliance Support,
       call 800.356.5012.
     • This document must be updated annually as required by Reg Z.
     • Imprinting optional.


Brochure: “What You Should Know About Home Equity Lines of Credit”
Provides members with an overview of general characteristics of home equity plans. It describes the
home equity lending process and provides words of caution so the member can be an informed consumer.
     • Is given to the member along with the Early Disclosure.


FNMA Application 1003
This application, which can be used to apply for both closed- and open-end home equity loans, is approved by the
Federal National Mortgage Association (Fannie Mae) for loans to be sold on the secondary market.
     • There are areas on the application that do not fully apply to credit unions or home equity loans. Changes
       cannot be made without altering its status as a conforming document.
     • This application cannot be imprinted. The paper version is 8 ½ by 14 and the electronic version is
       8 ½ by 11.


Home Equity Application
This application is a streamlined application which cannot be used if you intend to sell the loan on the secondary
market. It is used to collect information to evaluate the applicant’s credit-worthiness, including present financial
condition, credit history, information on the dwelling being used as security, and personal information.
     • Can be used with both open-end and closed-end lending.
     • Comes in 8 ½ by 11 paper or electronic.




To view document samples, go to www.loanliner.com         5                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                 LOANLINER® Open-End Home Equity Lending


Credit Agreement
Used to open a fixed or variable rate Home Equity Plan for a borrower. This Credit Agreement is completed
only once, at the time the Open-End Home Equity Plan is opened. It should not be completed when the borrower
obtains subsequent advances.
     • 50 state compatible for laser, in paper a separate Virginia Credit Agreement is available.
     • Includes the terms of the individual borrower’s Plan at the time the Plan is opened.
     • Along with the addendum, the Credit Agreement includes:
          - Provides disclosures required by Reg Z.
          - Contract between the credit union and the borrower.
          - Payment Protection Application and Certificate/Agreement.
     • Includes a credit union copy and two borrower copies. If there are more than two borrowers you may make
       additional copies.
     • Imprinting optional.


Addendum
The Addendum and the Credit Agreement together deliver the needed Truth-in-Lending disclosures and establish
the loan contract terms with the member. The Addendum provides member specific information on your plan
subaccounts, including, rates, terms, annual percentage rates, fees and features.
     • Must be given with the Credit Agreement, after an application has been received and underwritten for
       creditworthiness.
     • Reflects each credit union’s specific Open-End Home Equity Lending Plan.
     • An Addendum Tool is available to purchase. The Addendum Tool will allow your Credit Union to create
       and maintain your Addendum.




To view document samples, go to www.loanliner.com         6                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                 LOANLINER® Open-End Home Equity Lending


Advance Voucher
This document is used each time a borrower takes an advance, or something else occurs that causes the payment to
change (i.e. an interest rate increase or decrease). It is used to document each open-end home equity transaction.
     • Allows your credit union to create an audit trail of the money you lend.
     • Provides your credit union updated borrower and credit information.
     • Used to disclose updated payment terms to the borrower and to obtain the necessary signatures.
     • Includes a credit union and a borrower copy.
     • Imprinting optional.


Home Equity Endorsement Language
LOANLINER Documents provide the language for a rubber stamp to obtain the borrower’s signature on the
proceeds check rather than on the voucher. The language allows your credit union to obtain the necessary
signatures agreeing that the amount of the check is an advance under the Plan and to make payments as disclosed
on the voucher or other notice.
     • Can help your credit union expedite a transaction completed by mail or phone.




To view document samples, go to www.loanliner.com         7                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                 LOANLINER® Support Documents
        For Open-End And Closed-End Home Equity Lending


Adverse Action
The Adverse Action is used when a creditor has taken adverse action on a credit application or existing debt.
Informs member credit was denied (if applicable) and why.
     • Required by Equal Credit Opportunity Act and Reg B.
     • Provides notice to consumer of adverse action taken on credit application or existing debt and provides
       principal reasons taken for adverse action.


Security Instrument
(Mortgage, Deed of Trust or Security Deed)
A mortgage, deed of trust, or security deed is used whenever a security interest is taken by the credit union in a
dwelling. The security instrument is different for every state. The security instrument gives the credit union the
right to foreclose on a dwelling if the borrower is in default.
     • Establishes your credit union’s security interest in the property securing the member’s home equity loan or
       Home Equity Line of Credit account.
     • Varies by state and is required to be recorded to perfect the credit union’s lien. Be sure to order security
       instruments for every state you lend in.


Notice of Right to Cancel
Used when a security interest in a consumer’s principal dwelling is or will be retained or acquired to secure a credit
transaction.
     • Complies with the requirements of Reg Z regarding a consumer’s right to rescind a credit transaction secured
       by the consumers’ principal dwelling.
     • Note each borrower must receive two copies of the Right to Cancel along with the Note and Disclosure
       Statement.
     • Includes a copy for the credit union and four borrower copies.
     • Imprinting optional.




To view document samples, go to www.loanliner.com          8                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                      at 800.356.5012.
                 LOANLINER® Support Documents
        For Open-End And Closed-End Home Equity Lending


Verification Packet
Used to help the credit union verify the information provided by the borrower in the application.
Includes:
     • Open- or Closed-end Loan Officer Checklist.
     • Direct Credit Verification Form - used to verify debt indicated on the application that does not appear on the
       credit report.
     • Request for Verification of Employment - used for former and current employer(s) to verify employment
       history.
     • Request for Verification of Deposit - used to verify each deposit account indicated on the application.
     • Request for Verification of Mortgage or Deed of Trust, Rental or Land Contract Account - used to verify
       information on existing mortgages or liens against the property offered as security for the Plan.


Standard Flood Hazard Determination
Used when either the credit union or a third party makes the flood hazard determination.
     • Must be used for every loan made by a credit union which is secured by a building or mobile home to
       determine whether the secured property is or will be located in a special flood hazard area (SFHA).


Flood Insurance Notice
Used when a determination has been made that the building or mobile home securing the loan is located in a
special flood hazard area.
     • Notifies the borrower that they are required to purchase flood insurance.
     • The credit union cannot close the loan until the borrower presents proof that the flood insurance was
       purchased.
     • Includes copies for the credit union, borrower, and loan servicer (if not the credit union).
     • Imprinting optional.




To view document samples, go to www.loanliner.com          9                       To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                      at 800.356.5012.
                 LOANLINER® Support Documents
        For Open-End And Closed-End Home Equity Lending


FACT Act Notices

FACT Act Notice to the Home Loan Applicant
The FACT Act Notice to the Home Loan Applicant must be used when credit scores are used in connection with
applications for mortgage loans made for a consumer purpose.
     • Notice must be provided before consummation, but not before the terms of credit have been communicated
       to the member.
     • Informs the borrower that the credit union may report negative information about the borrower’s accounts,
       such as late payments or defaults, to consumer reporting agencies.
     • Can be imprinted with credit union name, address, telephone numbers and logo.

Risk Based Pricing Notice
     • Informs the borrower that due to their credit report they are receiving credit terms which are materially less
       favorable than consumers who have better credit histories.
     • Can be imprinted with credit union name, address, telephone numbers and logo.


Credit Score Exception Notice 1- 4 Family
     • Used under the credit score disclosure exception. Used for credit secured by 1-4 units of residential property.
     • Informs the member about the member’s credit score and information regarding consumer reports and credit
       scores, including information required by FCRA Section 609(g).
     • Provides a range of credit scores and a statement on how the member’s credit score compares to other
       consumers.
     • Can be imprinted with credit union name, address, telephone numbers and logo.




To view document samples, go to www.loanliner.com         10                      To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                 LOANLINER® Support Documents
        For Open-End And Closed-End Home Equity Lending


No Credit Score Notice
     • Used when a credit score is not available for an applicant from the credit reporting agency.
     • Informs the member that no score was available and provides information regarding consumer reports and
       credit scores.
     • Can be imprinted with credit union name, address, telephone numbers and logo.


Risk Based Pricing Notice with Credit Score Information
     • Informs the member that due to their credit score they are receiving credit terms which are materially less
       favorable than consumers who have better credit histories.
     • Provides the member’s credit score, a range of credit scores and key factors that adversely affect the credit
       score.
     • Can be imprinted with credit union name, address, telephone numbers and logo.


Account Review Risk Based Pricing Notice with Credit Score Information
     • Used when performing account reviews at your credit union and based on a credit score, you increase the
       APR on the account.
     • Provides the member’s credit score, a range of credit scores and key factors that adversely affect the credit
       score.
     • Can be imprinted with credit union name, address, telephone numbers and logo.




To view document samples, go to www.loanliner.com         11                      To order call LOANLINER Customer Service
and click on Lending Resource Center.                                                                     at 800.356.5012.
                              LOANLINER® Closed-End Home Equity
                                     Lending Documents
                                LOANLINER® CLOSED-END HOME EQUITY DOCUMENT LISTING
  PAPER ELECTRONIC                                                            PAPER ELECTRONIC
DOCUMENT DOCUMENT                                                           DOCUMENT DOCUMENT
 NUMBER   NUMBER                   DOCUMENT DESCRIPTION                      NUMBER   NUMBER                           DOCUMENT DESCRIPTION

                       Multi-State CE Note and Disclosure           EMT27*               EMT27*       MT CE 2 Mortgage
                                                                                                                 nd


                       (AR, AZ, CT, DC, DE, HI, ID, IL, IN, KY, MD,                      ENE55*       NE CE 2nd Note and Disclosure
 EST31*     EST55*
                       MI, MS, MT, ND, NJ, NM, NV, OH, SD, TN, ENE20*                    ENE20*       NE CE 2nd Mortgage
                       WY)                                          ENV21*               ENV21*       NV CE 2nd Mortgage
            EAL55*     AL CE 2nd Note and Disclosure                                     ENH55*       NH CE 2nd Note and Disclosure
 EAL20*     EAL20*     AL CE 2nd Mortgage                           ENH22*               ENH22*       NH CE 2nd Mortgage
            EAK55*     AK CE 2nd Note and Disclosure                ENJ23*               ENJ23*       NJ CE 2nd Mortgage
            EAK21*     AK CE 2nd Mortgage                           ENM24*               ENM24*       NM CE 2nd Mortgage
 EAZ22*     EAZ22*     AZ CE 2nd Mortgage                           ENY35*               ENY55*       NY CE 2nd Note and Disclosure
 EAR23*     EAR23*     AR CE 2nd Mortgage                           ENY25*               ENY25*       NY CE 2nd Mortgage
 ECA35*     ECA55*     CA CE 2nd Note and Disclosure                                     ENC55*       NC CE 2nd Note and Disclosure
 ECA24*     ECA24*     CA CE 2nd Mortgage                           ENC28*               ENC28*       NC CE 2nd Mortgage
            ECO55*     CO CE 2nd Note and Disclosure                END29*               END29*       ND CE 2nd Mortgage
 ECO26*     ECO26*     CO CE 2nd Mortgage                           EOH26*               EOH26*       OH CE 2nd Mortgage
 ECT27*     ECT27*     CT CE 2nd Mortgage                                                EOK55*       OK CE 2nd Note and Disclosure
 EDE29*     EDE29*     DE CE 2nd Mortgage                           EOK27*               EOK27*       OK CE 2nd Mortgage
 EDC38*     EDC55*     DC CE 2nd Note and Disclosure                                     EOR55*       OR CE 2nd Note and Disclosure
 EFL02*     EFL55*     FL CE 2nd Note and Disclosure                EOR28*               EOR28*       OR CE 2nd Mortgage
 EFL20*     EFL20*     FL CE 2nd Mortgage                           EPA31*               EPA55*       PA CE 2nd Note and Disclosure
 EGA31*     EGA55*     GA CE 2nd Note and Disclosure                EPA21*               EPA21*       PA CE 2nd Mortgage
 EGA21*     EGA21*     GA CE 2nd Mortgage                                                ERI55*       RI CE 2nd Note and Disclosure
            EHI22*     HI CE 2nd Mortgage                           ERI29*               ERI29*       RI CE 2nd Mortgage
            EID23*     ID CE 2nd Mortgage                                                ESC55*       SC CE 2nd Note and Disclosure
 EIL24*     EIL24*     IL CE 2nd Mortgage                           ESC20*               ESC20*       SC CE 2nd Mortgage
 EIN25*     EIN25*     IN CE 2nd Mortgage                           ESD21*               ESD21*       SD CE 2nd Mortgage
 EIA36*     EIA55*     IA CE 2nd Note and Disclosure                ETN22*               ETN22*       TN CE 2nd Mortgage
 EIA26*     EIA26*     IA CE 2nd Mortgage                                                ETX50*       TX CE Note and Disclosure (Fixed/Variable)
            EKS55*     KS CE 2nd Note and Disclosure                ETX21*               ETX21*       TX CE Deed of Trust
 EKS27*     EKS27*     KS CE 2nd Mortgage                           ETX33*               ETX55*       TX CE Note and Disclosure Home Improvement
 EKY28*     EKY28*     KY CE 2nd Mortgage                           ETX23*               ETX23*       TX CE Deed of Trust Home Improvement
            ELA55*     LA CE 2nd Note and Disclosure                                     EUT55*       UT CE 2nd Note and Disclosure
 ELA29*     ELA29*     LA CE 2nd Mortgage                           EUT24*               EUT24*       UT CE 2nd Mortgage
            EME55*     ME CE 2nd Note and Disclosure                                     EVT55*       VT CE 2nd Note and Disclosure
 EME20*     EME20*     ME CE 2nd Mortgage                           EVT25*               EVT25*       VT CE 2nd Mortgage
 EMD21*     EMD21*     MD CE 2nd Mortgage                           EVA36*               EVA55*       VA CE 2nd Note and Disclosure
            EMA55*     MA CE 2nd Note and Disclosure                EVA26*               EVA26*       VA CE 2nd Mortgage
 EMA22*     EMA22*     MA CE 2nd Mortgage                                                EWA55*       WA CE 2nd Note and Disclosure
 EMI23*     EMI23*     MI CE 2nd Mortgage                           EWA28*               EWA28*       WA CE 2nd Mortgage
            EMN55*     MN CE 2nd Note and Disclosure                                     EWV55*       WV CE 2nd Note and Disclosure
 EMN24*     EMN24*     MN CE 2nd Mortgage                           EWV27*               EWV27*       WV CE 2nd Mortgage
            EMS25*     MS CE 2nd Mortgage                                                EWI55*       WI CE 2nd Note and Disclosure
            EMO55*     MO CE 2nd Note and Disclosure                EWI29*               EWI29*       WI CE 2nd Mortgage
 EMO26*     EMO26*     MO CE 2nd Mortgage                                                EWY20*       WY CE 2nd Mortgage


*Document Version       If column is grayed out, the feature is not allowed or the document format is not available.




     To view document samples, go to www.loanliner.com                        12                             To order call LOANLINER Customer Service
     and click on Lending Resource Center.                                                                                           at 800.356.5012.
                                LOANLINER® Open-End Home Equity
                                      Lending Documents
          LOANLINER® OPEN-END HOME EQUITY SECURITY INSTRUMENT AND RIDER DOCUMENT LISTING
  PAPER ELECTRONIC                                                            PAPER ELECTRONIC
DOCUMENT DOCUMENT                                                           DOCUMENT DOCUMENT
 NUMBER   NUMBER                   DOCUMENT DESCRIPTION                      NUMBER   NUMBER                           DOCUMENT DESCRIPTION

 EAL90*     EAL90*     AL HE OE Revolving Credit Mortgage                   EMO95*       EMO95*       MO HE OE Revolving Credit Deed of Trust
            EAK91*     AK HE OE Revolving Credit Deed of Trust              EMT96*       EMT96*       MT HE OE Revolving Credit Deed of Trust
 EAZ92*     EAZ92*     AZ HE OE Revolving Credit Deed of Trust              ENE99*       ENE99*       NE HE OE Revolving Credit Deed of Trust
 EAR93*     EAR93*     AR HE OE Revolving Credit Deed of Trust                           ENV90*       NV HE OE Revolving Credit Deed of Trust
 ECA94*     ECA94*     CA HE OE Revolving Credit Deed of Trust              ENH91*       ENH91*       NH HE OE Revolving Credit Mortgage
                       and Request for Notice                               ENJ92*       ENJ92*       NJ HE OE Revolving Credit Mortgage
 ECO95*     ECO95*     CO HE OE Revolving Credit Deed of Trust              ENM93*       ENM93*       NM HE OE Revolving Credit Mortgage
 ECT96*     ECT96*     CT HE OE Mortgage                                    ENY94*       ENY94*       NY HE OE Credit Line Mortgage
 EDE98*     EDE98*     DE HE OE Revolving Credit Mortgage                   ENC97*       ENC97*       NC HE OE Credit Line Deed of Trust
 EDC97*     EDC97*     DC HE OE Revolving Credit Deed of Trust              END98*       END98*       ND HE OE Revolving Credit Mortgage
 EFL99*     EFL99*     FL HE OE Revolving Credit Mortgage                   EOH95*       EOH95*       OH HE OE Mortgage
 EGA90*     EGA90*     GA HE OE Revolving Credit Security Deed              EOK96*       EOK96*       OK HE OE Revolving Credit Mortgage
 EHI91*     EHI91*     HI HE OE Revolving Credit Mortgage                   EOR97*       EOR97*       OR HE OE Line of Credit Trust Deed
 EID92*     EID92*     ID HE OE Revolving Credit Deed of Trust              EPA91*       EPA91*       PA HE OE Mortgage
 EIL93*     EIL93*     IL HE OE Revolving Credit Mortgage                   ERI98*       ERI98*       RI HE OE Mortgage
 EIN94*     EIN94*     IN HE OE Revolving Credit Mortgage                   ESC99*       ESC99*       SC HE OE Revolving Credit Mortgage
 EIA95*     EIA95*     IA HE OE Revolving Credit Mortgage                   ESD90*       ESD90*       SD HE OE Revolving Credit Mortgage
 EKS96*     EKS96*     KS HE OE Mortgage                                    ETN91*       ETN91*       TN HE OE Revolving Credit Deed of Trust
 EKY97*     EKY97*     KY HE OE Revolving Credit Mortgage                   ETX90*       ETX90*       TX HE OE Deed of Trust
 ELA98*     ELA98*     LA HE Mortgage                                       EUT92*       EUT92*       UT HE OE Revolving Credit Deed of Trust
 EME99*     EME99*     ME HE OE Revolving Credit Mortgage                   EVT93*       EVT93*       VT HE OE Revolving Credit Mortgage
 EMD90*     EMD90*     MD HE OE Revolving Credit Deed of Trust              EVA94*       EVA94*       VA HE OE Credit Line Deed of Trust
 EMA91*     EMA91*     MA HE OE Revolving Credit Mortgage                   EWA96*       EWA96*       WA HE OE Revolving Credit Deed of Trust
 EMI92*     EMI92*     MI HE OE Revolving Credit Mortgage                   EWV95*       EWV95*       WV HE OE Credit Line Deed of Trust
 EMN93*     EMN93*     MN HE OE Revolving Credit Mortgage                   EWI97*       EWI97*       WI HE OE Revolving Credit Mortgage
            EMS94*     MS HE OE Revolving Credit Deed of Trust                           EWY98*       WY HE OE Mortgage


*Document Version       If column is grayed out, the feature is not allowed or the document format is not available.




     To view document samples, go to www.loanliner.com                        13                             To order call LOANLINER Customer Service
     and click on Lending Resource Center.                                                                                           at 800.356.5012.
LOANLINER® Closed-End and Open End Home Equity
                Lending Documents
           LOANLINER® CLOSED-END AND OPEN-END HOME EQUITY MISCELLANEOUS DOCUMENT LISTING
  PAPER ELECTRONIC                                                              PAPER ELECTRONIC
DOCUMENT DOCUMENT                                                             DOCUMENT DOCUMENT
 NUMBER   NUMBER                     DOCUMENT DESCRIPTION                      NUMBER   NUMBER                           DOCUMENT DESCRIPTION

 N/A          RCA10*     CA Registered Domestic Partners                      N/A           RNY20*       NY Interest Rate Determination
 N/A          RCA20*     CA Impound Disclosure/Waiver                         N/A           RNY30*       NY Credit Report Notice
 N/A          RCA30*     CA Insurance Notice                                  N/A           RNY40*       NY Straight Balloon Preapplication Disclosure
 N/A          RCA50*     CA Limit on Waiver of Interest Accrual               N/A           RNY60*       NY Hazard Insurance Disclosure
 N/A          RCT10*     CT Notice of Mortgage Loan Applicant                 N/A           ROH10*       OH Application Notice
 N/A          RCT30*     CT Bridge Loan Disclosure                            N/A           RR001*       First Mortgage Multi-State 1-4 Family Rider
 N/A          RDC10*     DC Notice to Pay Insurance/Taxes                     N/A           RR002*       First Mortgage Multi-State Condo Rider
 N/A          RFL10*     FL Insurance Anti-Coercion Statement                 N/A           RR003*       First Mortgage Multi-State Biweekly Rider
 N/A          RIA10*     IA Oral Modification Disclosure                      N/A           RR009*       First Mortgage Multi-State PUD Rider
 N/A          RMA10*     MA Notice of Right to Counsel                        N/A           RRI10*       RI Loan Application Disclosure
 N/A          RMD03*     MD Montgomery County Property Addendum               N/A           RRMI1*       MI First Mortgage 1-4 Family Rider
 N/A          RMD05*     MD Intake Sheet                                      N/A           RRME3*       ME First Mortgage Biweekly Rider
 N/A          RMD10*     MD Notice to First Mortgage Loan Applicants          N/A           RRNY3*       NY First Mortgage Biweekly Rider
 N/A          RMD30*     MD Lender Attorney Fee Certification                 N/A           RRWV3*       WV First Mortgage Biweekly Rider
 N/A          RMD60*     MD Affidavit of Refinance of Principal Residence     N/A           RSC10*       SC Insurance Rights
 N/A          RMD80*     MD Frederick Refinance Affidavit                     N/A           RTN10*       TN Placement of Insurance
 N/A          RMD90*     MD Delivery of Net Proceeds                          N/A           RTX10*       TX Mortgage Fraud Notice
 N/A          RME10*     ME Choice of Insurer                                 N/A           RUT10*       UT Deposit and Servicer Disclosure Notice
 N/A          RME30*     ME Fully Amortizing Loans with ARM Features          N/A           RUT20*       UT Initial Servicer Disclosure Statement
 N/A          RMI10*     MI Borrower’s Bill of Rights                         N/A           RVA10*       VA First Mortgage Application Disclosure
 N/A          RMI20*     MI Counseling Notice                                 N/A           RVT10*       VT Authorization to Obtain Credit Report
 N/A          RMN10*     MN Notice of Right to Discontinue Escrow             N/A           RVT20*       VT Civil Union Disclosure
 N/A          RNJ10*     NJ Attorney Disclosure                               N/A           RWI10*       WI Preapplication Fee Disclosure
 N/A          RNM10*     NM Freedom to Choose Insurer                         N/A           RWI20*       WI Escrow Notice
 N/A          RNY03*     NY Insurance Disclosure                              N/A           RWY10*       WY Notice of Required Insurance
 N/A          RNY04*     NY Balloon Disclosure for Note

* Document Version        If column is grayed out, the feature is not allowed or the document format is not available.




       To view document samples, go to www.loanliner.com                        14                             To order call LOANLINER Customer Service
       and click on Lending Resource Center.                                                                                           at 800.356.5012.
P.O. Box 391
5910 Mineral Point Road
Madison, WI 53701-0391
Phone: 800.356.2644
Email: loanliner@cunamutual.com
Word Wide Web: http://www.loanliner.com

				
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